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200000814 After recording return Co: CITIFiNANCIAL, INC. (MD) 3415 WEST STATE STREET GRAND ISLAND NE 68803 DEED OF TRUST THIS DEED OF TRUST is made this 27th day of January , 2000 among the Trustor, DARON I OBERMILLER JENNIFER I OBERMILLER (herein "Borrower"), Michael F. Kivett (herein "Trustee"), and the Beneficiary, CITIFINANCIAL, INC. (MD) , a corporation organized and existing under the laws of Maryland , whose address is 3415 WEST STATE STREET GRAND ISLAND NE 68803 (herein °Lender"). BORROWER, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of HALL , State of Nebraska: LOT THREE (3) , BLOCK FOUR (4) , GEORGE LOAN'S SUBDIVISION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. which has the address of 911 EAST 13TH , GRAND ISLAND , Nebraska 68801 (herein "Properry Address"); TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such rents), all of which shall be deemed to be and remain a part of the property covered by this Deed of Trust; and all of the foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter referred to as the "Property"; TO SEC URE to Lender the repayment of the indebtedness evidenced by Borrower's note dated O 1/2 7/2 0 0 0 and extensions and renewals thereof(herein "Note"), in the principal sum of U.S. $ 21,487.30 , with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on 02/15/2010 ; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and the performance of the covenants and agreements of Borrower herein coutained. Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property, and that the Property is unencumbered, except for encumbrances of recard. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record.